Compare · 3 funds side by side · dividends reinvested

XRT, FDIS and XLF

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$16,157XLF · best of the three

02 / 04

XRT, FDIS and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$54.2B1.4

State Street SPDR S&P Retail ETFSectors · Consumer0.35%0.79%+10.6%+16.7%+18.6%+2.0%−13.5%21.3%$439M2.0

Fidelity MSCI Consumer Discretionary Index ETFSectors · Consumer0.08%0.73%+4.4%+3.1%+18.2%+5.0%−15.5%19.4%$1.6B2.5

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 4, 2026 · returns include dividends · since: XRT 2006 · FDIS 2013 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P Retail ETF · $439M$11,026

XRT

FDIS

Fidelity MSCI Consumer Discretionary Index ETF · $1.6B$12,774

$10,000 five years ago, dividends reinvested · they hold 13.9% in common

XRTMeasureFDIS

+10.6%Year to dateJan 1 → Nov 4+4.4%

+16.7%1 yearTotal return+3.1%

+18.6%3 years · per year$10,000 became $16,670 · $16,516+18.2%

+2.0%5 years · per year$10,000 became $11,026 · $12,774+5.0%

0.35%Expense ratio$35 · $8 a year on $10k · lower is better0.08%

0.79%Trailing 12-mo yield$79 · $73 a year on $10k0.73%

−13.5%Worst dropSmaller is better−15.5%

21.3%VolatilityLower is calmer19.4%

XRTFDIS Winner of the row, in its colourEach row: the bigger of the two fills its side

5–3XRT wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XRT vs FDIS: Top 5 Holdings

Today

XRT

8.8%in top 5

FDIS

in top 548.3%

XRTStockFDIS

not top 5AMZN21.6%

not top 5TSLA16.7%

not top 5HD5.0%

not top 5MCD2.8%

not top 5TJX2.3%

1.8%KSSnot top 5

1.8%REALnot top 5

1.8%VSXYnot top 5

1.7%BBWInot top 5

1.7%ETSYnot top 5

Held in common13.9%

End-of-day Nov 4, 2026 · share of each fund

XRT vs FDIS Returns, Every Period

SPDRXRT

+2.0%

5 years, per year

FDISFidelity

+5.0%

5 years, per year

XRTFDISFaded: behind in that period

3–1XRT wins

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

XRT vs XLF

YTD

SPDRXRT

+10.6%

XLFSPDR

+9.4%

+10.6%Year to date+9.4%

−13.5%Worst drop · 1Y−14.8%

21.3%Volatility · 1Y15.0%

0.8%Yield1.4%

$439MAssets$54.2B

2–2level

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XRT, FDIS, XLF

Today

0.08%lowest, FDIS

FundExpense ratioFee$10k

FDIS0.08%$8

XLF0.08%$8

XRT0.35%$35

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: XRT, FDIS, XLF

1.40%highest, XLF

FundTrailing yieldYield$10k

XLF1.40%$140

XRT0.79%$79

FDIS0.73%$73

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$132most kept, XLF

XLF$140 − $8 = $132

FDIS$73 − $8 = $65

XRT$79 − $35 = $44

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: XRT, FDIS, XLF

Today

13.9%most shared, XRT and FDIS

XRTFDISXLF

XRT—13.9%0.0%

FDIS13.9%—0.0%

XLF0.0%0.0%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+16.7%XRT, at 21.3% volatility

XLFWorst drop−14.8%15.0% vol

FDISWorst drop−15.5%19.4% vol

XRTWorst drop−13.5%21.3% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

XLFXRT

+9.4%Year to date+10.6%

1.4%Yield0.8%

+15.3%Past year+16.7%

0.08%Fee0.35%

2–2level

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026